Debitum vs Indemo
Which platform performs better in 2026? Anonymized data from real investor portfolios on P2P Dash: returns, sentiment and facts side by side.
Community data compared
As of August 3, 2026
 Debitum |  Indemo | |
|---|---|---|
| Community ranking 2026 | #7 of 34 | #25 of 34 |
| Median net return (XIRR) | 15.2% | 5.7% |
| Median cash drag | 2.2% | 1.1% |
| Investors on P2P Dash | 795 | 460 |
| Combined portfolio value | €5.12M | €2.38M |
| Interest earned all-time | €589K | €28.2K |
Platform facts
| Founded | 2018 | 2022 |
| Headquarters | 🇱🇻 Latvia | 🇱🇻 Latvia |
| Regulated | Yes | Yes |
| Buyback Guarantee | Yes | No |
| Secondary Market | No | No |
| Auto-Invest | Yes | Yes |
Returns year by year
Median net return per calendar year, from the portfolios that track each platform.
Debitum
14.8%
Last 12 months · All time 15.2%
135 investors
Indemo
2.4%
Last 12 months · All time 5.7%
32 investors
15.5%
5.9%
2024
14.5%
6.3%
2025
14.6%
2.6%
2026
Debitum came out ahead in 3 of the 3 years both platforms have data for.
How far apart investors land
The bar covers the middle 50% of investors, the mark is the median.
Debitum Middle 50% of investors: 13.7% – 17.3%
Median net return (XIRR): 15.2%
Indemo Middle 50% of investors: 3.6% – 10.4%
Median net return (XIRR): 5.7%
Debitum investors sit closer together: 3.6% between the 25th and 75th percentile, against 6.8%.
Where the money is going
Deposits minus withdrawals per month over the last year, across the investors who track each platform.
Investors who track both
314 investors track both platforms.
39% of Debitum investors also track Indemo.
68% of Indemo investors also track Debitum.
What the data says
Measured by real portfolios on P2P Dash, Debitum currently delivers the higher median net return: 15.2% versus 5.7% at Indemo.
Investor sentiment currently favors Debitum: 58% of stated strategies are “add funds” or “reinvest”, versus 41% at Indemo.
Debitum is the bigger platform on P2P Dash, with 795 investors tracking it versus 460 for Indemo.
Anonymized, nightly aggregated community data from P2P Dash portfolios. Past performance is no guarantee of future results. This is not investment advice.
Frequently asked questions
Answers based on anonymized community data from P2P Dash investors.
Which delivers the higher return: Debitum or Indemo?
Among P2P Dash investors, Debitum currently shows the higher median net return (XIRR): 15.2% versus 5.7% (as of August 3, 2026). The middle 50% of portfolios earn 13.7% – 17.3% at Debitum and 3.6% – 10.4% at Indemo.
Which has done better recently, Debitum or Indemo?
Over the last 12 months Debitum shows the higher median net return: 14.8% against 2.4%. All time the figures are 15.2% for Debitum and 5.7% for Indemo (as of August 3, 2026).
Where do investors put new money right now, Debitum or Indemo?
As of August 3, 2026, 58% of stated strategies at Debitum are “add funds” or “reinvest”, compared to 41% at Indemo.
Do investors use Debitum and Indemo at the same time?
314 investors on P2P Dash track both platforms. 68% of Indemo investors also have Debitum in their portfolio.
How do I compare my own returns on Debitum and Indemo?
Import your transaction exports from both platforms into P2P Dash for free. You get your real net return (XIRR), cash drag and income per platform, directly comparable in one dashboard.
See your own numbers side by side
Import your portfolios from both platforms for free and P2P Dash shows your real net return (XIRR), cash drag and income, per platform and combined.